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A Public Insurance Adjuster is any person, firm, Association, partnership or corporation who, for compensation, acts on behalf of or aids in any manner, an insurer or insured or another in negotiating for, or effect, the settlement of a claim or claims for loss or damage under any policy of insurance covering real or personal property and any person, firm who advertises, solicits business or holds itself out to the public as an adjuster of insurance claims, and any person who for compensation investigates, settles, adjusts, advises, or assists an insurer or insured with reference to claims for such losses on behalf of any such public insurance adjuster.

A Public Insurance Adjuster Agent is any person who is a bona fide employee of a public insurance adjuster and who aids in the adjustment, investigation and in securing of any contract for the adjustment of a loss.